\begin{table}[htbp]\centering
\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\caption{Effect of Securing a Loan with Digital Collateral on Loan Repayment and Loan Completion, by Risk Level\label{LASMH\_complete\_riskinteract\_LATE}}
\begin{tabular}{l*{3}{c}}
\toprule
                    &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}\\
                    &\multicolumn{1}{c}{Secured}&\multicolumn{1}{c}{Selection}&\multicolumn{1}{c}{Moral Hazard}\\
\midrule
Treatment           &        0.15\sym{**} &        0.09         &        0.06         \\
                    &      (0.07)         &      (0.06)         &      (0.06)         \\\addlinespace
Treatment $\times$ Median risk or above&        0.07         &       -0.07         &        0.15         \\
                    &      (0.09)         &      (0.08)         &      (0.09)         \\\addlinespace
Median risk or above&       -0.20\sym{***}&       -0.20\sym{***}&       -0.28\sym{***}\\
                    &      (0.05)         &      (0.05)         &      (0.05)         \\\addlinespace
Constant            &        0.56\sym{***}&        0.57\sym{***}&        0.65\sym{***}\\
                    &      (0.04)         &      (0.04)         &      (0.04)         \\\addlinespace
\midrule
N                   &         655         &         814         &         593         \\
\bottomrule
\end{tabular}
\end{table}
